Net Worth


This page is updated every other week to correspond with my paychecks.

I've not yet decided exactly how I want to organize this page where I will be showing our net worth. I've been planning on setting it up for a few months now but haven't because I've not been able to decide on a format, but figured that I'll just start out with any old think and it will evolve over time.

I am a huge believer in following your net worth. I think that it helps you to understand where you have come from, where you are at, and encourages you to set solid goals for the future.

Please note, I don't put anything up here as a way of bragging or with the intent to set myself as a comparison to anyone else. Everyone has different circumstances and will make the best financial decisions that they can with the information that they have access to. I post these values as a learning tool and to prove that you can build wealth while raising a family on one income in today's environment. I've been updating these numbers every other week, correlating with my paychecks, since the beginning of 2011.

Note: We do not include our vehicle's values because we see them as depreciating assets that wont earn us anything. And we still use the $174,000 price that we purchased our home for in 2013. We figure that the appreciation will be offset for the most part by the costs of getting it ready to sell and paying the associated fees but according to our appraisal value when we refinanced in 2015 it was worth $180,000 (current Zestimate is $181,681). I might update this if we do a large remodel and put a considerable amount of money into the house.

Hope you enjoy and please feel free to ask questions if you would like for me to expound on our reasoning with anything that you might see below. You can also see how things are going month to month in more detail by looking out monthly progress reports.


10 March 2017:    $207,211.29    TOTAL
Checking:               $1,121.05     Used to cover everyday expenses.
Savings:                  $4,294.91     Main holdings of our budget's residual funds and small emergencies
Savings #2:             $1,730.04     Account that pays our mortgage's auto pay.
Digit Savings:            $880.65     If you need help saving your money please use them. Love them so far.
Emergency Fund:   $9,247.69     3+ months of expenses kept in an online high yield savings account
Old 529:               $16,270.81      I didn't need it so we plan to use this for our kids college
Vanguard:             $55,034.34     VFIAX, VTSAX, VGHCX, VHCOX. Taxable investments.
401(k):                  $45,694.76     I invest 17% of my gross pay and my company matches another 5%.
HSA:                      $3,395.51    (Health Savings Account) Started in 2016.
Credit Card:             -$172.82     Used for most of our purchases but its paid off in full every month.
Mortgage:         -$104,285.65     15 year mortgage at 2.875%
Home Value:      $174,000.00     Our purchase price in 2013.


24 February 2017:    $204,888.97    TOTAL
Checking:               $1,226.85     Used to cover everyday expenses.
Savings:                  $5,794.91     Main holdings of our budget's residual funds and small emergencies
Savings #2:             $2,105.14     Account that pays our mortgage's auto pay.
Digit Savings:            $553.79     If you need help saving your money please use them. Love them so far.
Emergency Fund:   $9,240.28     3+ months of expenses kept in an online high yield savings account
Old 529:               $16,307.86      I didn't need it so we plan to use this for our kids college
Vanguard:             $54,017.57     VFIAX, VTSAX, VGHCX, VHCOX. Taxable investments.
401(k):                  $45,091.83     I invest 17% of my gross pay and my company matches another 5%.
HSA:                      $3,211.68    (Health Savings Account) Started in 2016.
Credit Card:             -$897.98     Used for most of our purchases but its paid off in full every month.
Mortgage:         -$105,762.96     15 year mortgage at 2.875%
Home Value:      $174,000.00     Our purchase price in 2013.


10 February 2017:    $201,325.19    TOTAL
Checking:               $1,053.67     Used to cover everyday expenses.
Savings:                  $5,644.86     Main holdings of our budget's residual funds and small emergencies
Savings #2:             $1,492.41     Account that pays our mortgage's auto pay.
Digit Savings:            $404.37     If you need help saving your money please use them. Love them so far.
Emergency Fund:  $9,240.28      3+ months of expenses kept in an online high yield savings account
Old 529:               $16,059.88      I didn't need it so we plan to use this for our kids college
Vanguard:             $52,746.83     VFIAX, VTSAX, VGHCX, VHCOX. Taxable investments.
401(k):                  $43,538.93     I invest 17% of my gross pay and my company matches another 5%.
HSA:                      $3,144.08    (Health Savings Account) Started in 2016.
Credit Card:             -$237.16     Used for most of our purchases but its paid off in full every month.
Mortgage:         -$105,762.96     15 year mortgage at 2.875%
Home Value:      $174,000.00     Our purchase price in 2013.


27 January 2017:    $198,237.89    TOTAL
Checking:                 $958.78     Used to cover everyday expenses.
Savings:                  $5,644.78     Main holdings of our budget's residual funds and small emergencies
Savings #2:             $2,313.59     Account that pays our mortgage's auto pay.
Digit Savings:            $343.88     Still just testing them out for my readers. Love them so far.
Emergency Fund:  $9,232.09      3+ months of expenses kept in an online high yield savings account
Old 529:               $16,019.95      I didn't need it so we plan to use this for our kids college
Vanguard:             $51,771.14     VFIAX, VTSAX, VGHCX, VHCOX. Taxable investments.
401(k):                  $41,965.60     I invest 17% of my gross pay and my company matches another 5%.
HSA:                      $3,019.58    (Health Savings Account) Started in 2016.
Credit Card:             -$392.39     Used for most of our purchases but its paid off in full every month.
Mortgage:         -$106,639.19     15 year mortgage at 2.875%
Home Value:      $174,000.00     Our purchase price in 2013.


13 January 2017:    $195,274.74    TOTAL
Checking:               $1,211.12     Used to cover everyday expenses.
Savings:                  $5,494.83     Main holdings of our budget's residual funds and small emergencies
Savings #2:             $1,604.05     Account that pays our mortgage's auto pay.
Digit Savings:             $76.80     Still just testing them out for my readers. Love them so far.
Emergency Fund:  $9,232.09      3+ months of expenses kept in an online high yield savings account
Old 529:               $15,751.09      I didn't need it so we plan to use this for our kids college
Vanguard:             $51,454.88     VFIAX, VTSAX, VGHCX, VHCOX. Taxable investments.
401(k):                  $40,427.78     I invest 17% of my gross pay and my company matches another 5%.
HSA:                      $2,873.95    (Health Savings Account) Started in 2016.
Credit Card:             -$212.66     Used for most of our purchases but its paid off in full every month.
Mortgage:         -$106,639.19     15 year mortgage at 2.875%
Home Value:      $174,000.00     Our purchase price in 2013.


28 December 2016:    $193,834.73    TOTAL
Checking:               $1,907.66     Used to cover everyday expenses.
Savings:                  $2,794.83     Main holdings of our budget's residual funds and small emergencies
Savings #2:             $2,425.64     Account that pays our mortgage's auto pay.
Digit Savings:        $2,484.12     Still just testing them out for my readers. Love them so far.
Emergency Fund:  $9,223.93      3+ months of expenses kept in an online high yield savings account
Old 529:               $15,574.35      I didn't need it so we plan to use this for our kids college
Vanguard:             $50,851.81     VFIAX, VTSAX, VGHCX, VHCOX. Taxable investments.
401(k):                  $40,180.33     I invest 17% of my gross pay and my company matches another 5%.
HSA:                      $2,661.24    (Health Savings Account) Started in 2016.
Credit Card:             -$755.39     Used for most of our purchases but its paid off in full every month.
Mortgage:         -$107,513.79     15 year mortgage at 2.875%
Home Value:      $174,000.00     Our purchase price in 2013.


14 December 2016:    $192,336.70    TOTAL
Checking:               $2,584.39     Used to cover everyday expenses.
Savings:                  $2,644.81     Main holdings of our budget's residual funds and small emergencies
Savings #2:                $713.05     Account that pays our mortgage's auto pay.
Digit Savings:        $2,247.81     Still just testing them out for my readers. Love them so far.
Emergency Fund:  $9,223.93      3+ months of expenses kept in an online high yield savings account
Old 529:               $15,654.03      I didn't need it so we plan to use this for our kids college
Vanguard:             $50,708.89     VFIAX, VTSAX, VGHCX, VHCOX. Taxable investments.
401(k):                  $40,044.90     I invest 17% of my gross pay and my company matches another 5%.
HSA:                      $2,478.95    (Health Savings Account) Started in 2016.
Credit Card:             -$450.27     Used for most of our purchases but its paid off in full every month.
Mortgage:         -$107,513.79     15 year mortgage at 2.875%
Home Value:      $174,000.00     Our purchase price in 2013.


30 November 2016:    $188,802.08    TOTAL
Checking:               $1,239.10     Used to cover everyday expenses.
Savings:                  $2,644.81     Main holdings of our budget's residual funds and small emergencies
Savings #2:             $1,514.42     Account that pays our mortgage's auto pay.
Digit Savings:        $2,970.04     Still just testing them out for my readers. Love them so far.
Emergency Fund:  $9,216.04      3+ months of expenses kept in an online high yield savings account
Old 529:               $15,303.51      I didn't need it so we plan to use this for our kids college
Vanguard:             $49,422.60     VFIAX, VTSAX, VGHCX, VHCOX. Taxable investments.
401(k):                  $38,625.77     I invest 17% of my gross pay and my company matches another 5%.
HSA:                      $2,388.55    (Health Savings Account) Started in 2016.
Credit Card:             -$156.63     Used for most of our purchases but its paid off in full every month.
Mortgage:         -$108,366.13     15 year mortgage at 2.875%
Home Value:      $174,000.00     Our purchase price in 2013.


16 November 2016:    $186,891.68    TOTAL
Checking:               $1,296.79     Used to cover everyday expenses.
Savings:                 $2,644.78      Main holdings of our budget's residual funds and small emergencies
Savings #2:               $901.92      Account that pays our mortgage's auto pay.
Digit Savings:        $2,873.65      Still just testing them out for my readers. Love them so far.
Emergency Fund:  $9,216.04      3+ months of expenses kept in an online high yield savings account
Old 529:               $15,169.32      I didn't need it so we plan to use this for our kids college
Vanguard:             $49,205.67     VFIAX, VTSAX, VGHCX, VHCOX. Taxable investments.
401(k):                  $37,879.19     I invest 17% of my gross pay and my company matches another 5%.
HSA:                      $2,388.55    (Health Savings Account) Started in 2016.
Credit Card:             -$318.10     Used for most of our purchases but its paid off in full every month.
Mortgage:         -$108,366.13     15 year mortgage at 2.875%
Home Value:      $174,000.00     Our purchase price in 2013.


2 November 2016:    $181,492.75    TOTAL
Checking:                 $750.34      Used to cover everyday expenses.
Savings:                 $3,094.78      Main holdings of our budget's residual funds and small emergencies
Savings #2:               $289.31      Account that pays our mortgage's auto pay.
Digit Savings:        $2,507.63      Still just testing them out for my readers. Love them so far.
Emergency Fund:  $9,216.04      3+ months of expenses kept in an online high yield savings account
Old 529:               $15,115.23      I didn't need it so we plan to use this for our kids college
Vanguard:             $47,076.57     VFIAX, VTSAX, VGHCX, VHCOX. Taxable investments.
401(k):                  $35,615.96     I invest 17% of my gross pay and my company matches another 5%.
HSA:                      $2,298.16     (Health Savings Account) Started in 2016.
Credit Card:             -$105.14     Used for most of our purchases but its paid off in full every month.
Mortgage:          -$108,366.13    15 year mortgage at 2.875%
Home Value:       $174,000.00    Our purchase price in 2013.


19 October 2016:    $182,530.88    TOTAL
Checking:              $1,232.52      Used to cover everyday expenses.
Savings:                 $3,094.76      Main holdings of our budget's residual funds and small emergencies
Savings #2:            $1,172.73      Account that pays our mortgage's auto pay.
Digit Savings:        $2,210.62      Still just testing them out for my readers. Love them so far.
Emergency Fund:  $9,207.89      3+ months of expenses kept in an online high yield savings account
Old 529:               $15,289.95      I didn't need it so we plan to use this for our kids college
Vanguard:             $47,846.87     VFIAX, VTSAX, VGHCX, VHCOX. Taxable investments.
401(k):                  $36204.98     I invest 17% of my gross pay and my company matches another 5%.
HSA:                      $2,207.76     (Health Savings Account) Started in 2016.
Credit Card:             -$639.00     Used for most of our purchases but its paid off in full every month.
Mortgage:          -$109,298.20     15 year mortgage at 2.875%
Home Value:       $174,000.00     Our purchase price in 2013.


5 October 2016:    $181,674.30    TOTAL
Checking:              $1,009.31      Used to cover everyday expenses.
Savings:                 $2,944.76      Main holdings of our budget's residual funds and small emergencies
Savings #2:               $560.04      Account that pays our mortgage's auto pay.
Digit Savings:        $1,892.41      Still just testing them out for my readers. Love them so far.
Emergency Fund:  $9,207.89      3+ months of expenses kept in an online high yield savings account
Old 529:               $15,378.87      I didn't need it so we plan to use this for our kids college
Vanguard:             $48,461.87     VFIAX, VTSAX, VGHCX, VHCOX. Taxable investments.
401(k):                  $35,921.02     I invest 17% of my gross pay and my company matches another 5%.
HSA:                      $1,992.38     (Health Savings Account) Started in 2016.
Credit Card:             -$396.05     Used for most of our purchases but its paid off in full every month.
Mortgage:          -$109,298.20     15 year mortgage at 2.875%
Home Value:       $174,000.00     Our purchase price in 2013.


21 September 2016:    $180,386.93    TOTAL
Checking:              $1,756.87      Used to cover everyday expenses.
Savings:                 $2,944.73      Main holdings of our budget's residual funds and small emergencies
Savings #2:            $2,181.37      Account that pays for our mortgage's auto pay.
Digit Savings:        $1,707.58      Still just testing them out for my readers. Love them so far.
Emergency Fund:  $9,200.01      3+ months of expenses kept in an online high yield savings account
Old 529:               $15,240.23      I didn't need it so we plan to use this for our kids college
Vanguard:             $47,752.64     VFIAX, VTSAX, VGHCX, VHCOX. Taxable investments.
401(k):                  $35,033.96     I invest 17% of my gross pay and my company matches another 5%.
HSA:                      $1,901.97     (Health Savings Account) Started in 2016.
Credit Card:             -$371.15     Used for most of our purchases but its paid off in full every month.
Mortgage:          -$110,964.28     15 year mortgage at 2.875%
Home Value:       $174,000.00     Our purchase price in 2013.


7 September 2016:    $180,519.45    TOTAL
Checking:              $1,570.74      Used to cover everyday expenses.
Savings:                 $2,794.73      Main holdings of our budget's residual funds and small emergencies
Savings #2:            $1,568.62      Account that pays for our mortgage's auto pay.
Digit Savings:        $1,346.84      Still just testing them out for my readers. Love them so far.
Emergency Fund:  $9,200.01      3+ months of expenses kept in an online high yield savings account
Old 529:               $15,534.01      I didn't need it so we plan to use this for our kids college
Vanguard:             $48,478.42     VFIAX, VTSAX, VGHCX, VHCOX. Taxable investments.
401(k):                  $35,330.41     I invest 17% of my gross pay and my company matches another 5%.
HSA:                       $1,811.59     (Health Savings Account) Started in 2016.
Credit Card:             -$151.64     Used for most of our purchases but its paid off in full every month.
Mortgage:          -$110,964.28     15 year mortgage at 2.875%
Home Value:       $174,000.00     Our purchase price in 2013.


24 August 2016:    $178,816.34    TOTAL
Checking:              $1,261.45      Used to cover everyday expenses.
Savings:                 $3,490.73      Main holdings of our budget's residual funds and small emergencies
Savings #2:            $2,420.88      Account that pays for our mortgage's auto pay.
Digit Savings:           $979.67      Still just testing them out for my readers. Love them so far.
Emergency Fund:  $9,191.87      3+ months of expenses kept in an online high yield savings account
Old 529:               $15,492.42      I didn't need it so we plan to use this for our kids college
Vanguard:            $48,430.02      VFIAX, VTSAX, VGHCX, VHCOX. Taxable investments.
401(k):                 $34,508.25      I invest 17% of my gross pay and my company matches another 5%.
HSA:                      $1,596.19      (Health Savings Account) Started in 2016.
Credit Card:            -$696.00      Used for most of our purchases but its paid off in full every month.
Mortgage:         -$111,859.14      15 year mortgage at 2.875%
Home Value:      $174,000.00      Our purchase price in 2013.


10 August 2016:    $177,093.26    TOTAL
Checking:              $2,231.30      Used to cover everyday expenses.
Savings:                 $3,340.70      Main holdings of our budget's residual funds and small emergencies
Savings #2:               $808.23      Account that pays for our mortgage's auto pay.
Digit Savings:           $621.29      Still just testing them out for my readers. Love them so far.
Emergency Fund:  $9,191.87      3+ months of expenses kept in an online high yield savings account
Old 529:               $15,401.36      I didn't need it so we plan to use this for our kids college
Vanguard:            $48,270.68       VFIAX, VTSAX, VGHCX, VHCOX. Taxable investments.
401(k):                 $34,004.38      I invest 17% of my gross pay and my company matches another 5%.
HSA:                      $1,505.81      (Health Savings Account) Started in 2016.
Credit Card:            -$423.22      Used for most of our purchases but its paid off in full every month.
Mortgage:         -$111,859.14      15 year mortgage at 2.875%
Home Value:      $174,000.00      Our purchase price in 2013.


27 July 2016:    $174,706.94.     TOTAL
Checking:              $2,737.76      Used to cover everyday expenses.
Savings:                 $3,340.70      Main holdings of our budget's residual funds and small emergencies
Savings #2:            $1,685.87      Account that pays for our mortgage's auto pay.
Digit Savings:           $347.69      Still just testing them out for my readers. Love them so far.
Emergency Fund:  $9,183.74      3+ months of expenses kept in an online high yield savings account
Old 529:               $15,264.42      I didn't need it so we plan to use this for our kids college
Vanguard:            $47,664.50       VFIAX, VTSAX, VGHCX, VHCOX. Taxable investments.
401(k):                 $32,663.46      I invest 17% of my gross pay and my company matches another 5%.
HSA:                      $1,325.03      (Health Savings Account) Started in 2016.
Credit Card:            -$729.12      Used for most of our purchases but its paid off in full every month.
Mortgage:         -$112,777.11      15 year mortgage at 2.875%
Home Value:      $174,000.00      Our purchase price in 2013.


13 July 2016:    $174,497.53.     TOTAL
Checking:              $2,417.66      Used to cover everyday expenses.
Savings:                 $3,190.67      Main holdings of our budget's residual funds and small emergencies
Savings #2:            $1,073.22      Account that pays for our mortgage's auto pay.
Digit Savings:           $161.93      Still just testing them out for my readers. Love them so far.
Emergency Fund:  $9,183.74      3+ months of expenses kept in an online high yield savings account
Old 529:               $15,215.14      I didn't need it so we plan to use this for our kids college
Vanguard:            $47,041.94       VFIAX, VTSAX, VGHCX, VHCOX. Taxable investments.
401(k):                 $31,997.95      I invest 17% of my gross pay and my company matches another 5%.
HSA:                      $1,234.64      (Health Savings Account) Started in 2016.
Credit Card:            -$242.25      Used for most of our purchases but its paid off in full every month.
Mortgage:         -$112,777.11      15 year mortgage at 2.875%
Home Value:      $174,000.00      Our purchase price in 2013.


29 June 2016:    $166,064.82      TOTAL
Checking:              $1,335.64      Used to cover everyday expenses.
Savings:                 $3,834.67      Main holdings of our budget's residual funds and small emergencies
Savings #2:            $1,906.98      Account that pays for our mortgage's auto pay.
Digit Savings:             $41.04      Still just testing them out for my readers. Love them so far.
Emergency Fund:  $9,175.88      3+ months of expenses kept in an online high yield savings account
Old 529:               $14,525.11      I didn't need it so we plan to use this for our kids college
Vanguard:            $44,093.15       VFIAX, VTSAX, VGHCX, VHCOX. Taxable investments.
401(k):                 $29,715.29      I invest 17% of my gross pay and my company matches another 5%.
HSA:                      $1,144.25      (Health Savings Account) Started in 2016.
Credit Card:               -$58.00      Used for most of our purchases but its paid off in full every month.
Mortgage:         -$113,649.19      15 year mortgage at 2.875%
Home Value:      $174,000.00      Our purchase price in 2013.